In summary we are concerned about the ongoing impact of genetic discrimination on consumers. The current Moratorium on genetics and life insurance fails to adequately protect consumers against genetic discrimination, and does not meet the recommendations of the 2017 PJC Inquiry into Life insurance for an urgent ban on the practice. The Insurance Law Service has received calls from consumers who are concerned about the potential for genetic test results to impact their ability to access life insurance products and manage their and their families’ financial risk adequately. A total ban on the use of genetic results by life insurance companies, without any limits, caps, or exceptions, is the only appropriate policy reform solution to address the legitimate concerns expressed by consumers in this area.
